High limits on property coverages, including Business Interruption, Extra Expense, Valuable Papers and Property Off Premise. Broad Electronic Data Processing (EDP) protection that covers EDP equipment both on and off premise. Comprehensive Equipment Breakdown Coverage – Our broad definition of “equipment” includes coverage of your telephone system, boilers, EDP hardware, software and more.

Vital Liability Protection:
In today’s litigious society, both the frequency of lawsuits and size of jury awards are on the rise. The S.U.R.E. Schools program provides specialized liability protection for schools, including:

• Foreign Liability – Covers student trips abroad*
• Sports Liability – Provides coverage for athletic activities
• Nurses Liability – Covers nurses incidental medical malpractice.
• School District and Educators Legal Liability – Covers a broad range of liability exposures including employment and educational issues, including those associated with the Americans with Disabilities Act (ADA). Coverage also includes liability protection for acts, errors or omissions when rendering service in the discharge of school duties. Coverage applies to the educational institution, its board of directors or school committee, trustees or school directors, all employees, as well as student teachers and volunteers.

For additional liability protection, we offer umbrella coverage that provides higher limits than your underlying policy. As always, refer to your policy forms to determine how coverage responds to your individual situation.

* Our experienced underwriters can provide risk management and loss control advice on topics such as foreign travel, outside use of your facilities, field trips and more.

Claims & Litigation
A well thought out plan that addresses safety and security issues can go a long way toward reducing injuries, even saving lives. In the event the unthinkable does happen, having a carefully considered plan in place can go a long way toward convincing a jury that your school did everything in its power to maintain a safe environment. Utica uses law firms that are experts in educational law. These professionals are available to assist you should your school need legal representation. Other claims-related services we provide include: Rehabilitation services that help severely injured insureds through the physical and emotional effects of a serious and debilitating injury. Educational services provided by our knowledgeable claims staff. Our staff is available to speak to school personnel on a variety of topics including school policy regarding what to do in event of an accident. Experienced
Claims Adjusters who know the pressures schools face to resume normal operations quickly. Count on them to provide a prompt, fair claims settlement.

Risk Management & Loss Control
Utica National’s school insureds have a wealth of risk management and loss control resources at their disposal. These include:

• Risk Management Consultants who are available to advise on a wide range of insurance and related issues. They work with school administrators to identify and
  mitigate various loss exposures.
• Loss Control Consultants who can assist your school in developing a comprehensive safety program. These programs address such areas as playground safety, transportation safety and school security. Our Loss Control staff can also assist with accident analysis, as well as identification of hazards common to some types of recreational equipment, athletic gear, and chemicals that may be used in some
  schools.
• Our popular School Seminars that address school safety and related issues of special concern to school administrators today.
• Lending library of safety videos.
• Reference material that helps teachers and staff identify situations where a potential for violent behavior exists.

Stretching Minds—And Money
As an educational institution, you are charged with providing quality education within a limited budget. Utica delivers top value for your insurance dollars by providing broad protection at a reasonable price. For example:

• Schools that are members of our school safety groups have the potential to earn a dividend each policy year. Also, those schools in our renewal credit programs may receive a credit at renewal.
• Our General Liability policies are “non-assessable,” so you won’t pay an additional premium at the end of your policy term due to any claims or expenses your policy incurred during the year
• Our claims and loss control specialists work with schools to reduce costs based on their loss experience and claims records.
• Our experience and financial stability help ensure consistent pricing and continued commitment to the many schools we serve.

Are You Safe? Are You S.U.R.E.?
Would your present coverage protect your institution in the following situations?

• A student is seriously injured playing on one of your school’s sport teams. The student’s parents bring a liability suit against your school, individually naming the director of athletics, the coach of the team, and the entire school board.
• A female member of the maintenance staff sues the school for discriminatory employment practices. She alleges that, as the lone female on an all-male staff, she was passed over for promotion to director of maintenance.
• A devastating fire destroys classrooms at your school. Space must be rented nearby to continue instruction without interruption.
• An improperly secured trophy case falls on a student who suffers disabling injuries. Subsequent litigation results in a $1 million judgement.

If you answered “no” to any of the above, your present insurer just doesn’t make the grade. On the other hand, Utica’s S.U.R.E. Schools coverages respond to these situations, giving Utica’s program high marks for effectiveness.

• Your agent is readily accessible to serve you and answer any questions you may have.
• Your agent is able to facilitate the processing of any claims you may have.
• As a member of your community, your agent takes personal interest in seeing that your institution’s needs are met. Your local agent may even have family members attending your school.
• Your agent values his or her reputation as a local businessperson and works hard to maintain your confidence and trust. Last but not least, your Utica National agent has met numerous requirements for educational and professional development. This is your assurance that you are served by a true professional.

Why Do 1,600 Educational Institutions Choose Utica?
School administrators know that Utica National’s leading edge coverages respond to issues of greatest concern to schools today. These include school security, sexual harassment, playground safety, bus safety, Internet liability and more.

Other reasons to choose Utica include:

• Utica National has gained enormous experience serving educational institutions for over 30 years. We presently serve more than 1,600 schools across the nation and are
  considered a leader in the field.
• Many of our Underwriters, Claims and Loss Control Representatives work mostly – or even exclusively – with educators. Their collective expertise can be an invaluable resource for any educational institution.
• A.M. Best rates Utica National’s property-casualty companies“A” or “Excellent.” The A.M. Best rating system is the recognized industry standard for evaluating the financial soundness of an insurance organization.
• The Utica National Insurance Group ranks among the top 100 property-casualty insurance organizations in the country. Its principal companies were founded in 1914.
• Utica is represented by a national network of 1,250 independent agents and brokers who share our high standards of service. Your local Utica agent understands educational institutions and stands ready to serve you with prompt, personal service.